Cybersecurity Awareness Month Quiz

Drew Thomas  0:20  
All right, so here we are once again, back in front of our microphones, presenting to you the wonderful Bank Chats podcast, made up of 90% caffeine and 10% regret. I am, of course, your host and our co-host Jeff Matevish.

Jeff Matevish  0:49  
Hey Drew.

Drew Thomas  0:49  
hi. So, what are we talking today? We're doing we're doing a two cents. This is supposed to be a short form.

Jeff Matevish  0:54  
Yes. Every

Drew Thomas  0:54  
time we say it's short form, it's never short.

Jeff Matevish  0:56  
Well, yeah.

Drew Thomas  0:58  
We're like AI. We just lie to you?

Jeff Matevish  1:02  
Yes, hot topic in the news recently. Yes, yeah.

Drew Thomas  1:04  
So, but

Jeff Matevish  1:05  
it's it's October. It's Cybersecurity Awareness Month or Cybersecurity Month.

Drew Thomas  1:10  
Yeah,

Jeff Matevish  1:10  
and two of the campaigns that we promote during this month usually is banks never ask that, and practice safe checks,

Drew Thomas  1:19  
checks,

Jeff Matevish  1:19  
checks.

Drew Thomas  1:20  
Gotcha. Okay, so yeah, and two very good programs. Yeah. Yep. Not not run by us. Obviously, we participate. They're a nationwide program. I think it's the ABA that does them. Right. Yep. American Bankers Association. Yep. So yeah. So there's there's a quiz or something, right? So we're we're gonna take a quiz together first, and then kind of go from there. Yeah, yeah.

Jeff Matevish  1:41  
So yeah. Well,

Drew Thomas  1:42  
you probably know the answers. I kind

Jeff Matevish  1:44  
of do. But so okay. So maybe we'll quiz Drew and and and see. But

Drew Thomas  1:48  
yeah, because I always do so well at these. We'll

Jeff Matevish  1:50  
pop up for those watching this this podcast. We'll pop up any visuals, and and for those who are listening, we will say say read them out loud. Read them. Yeah,

Drew Thomas  2:00  
yeah. So it's like it's like it's like watching or listening to baseball. Like you'll you'll you'll hear it, but you get a little bit of extra if you get to see it. Yeah, yeah, more interesting

Jeff Matevish  2:08  
if you if you watch it. Yeah, yeah, true. Okay, okay. So this is from Banks Never Ask That. We'll start start with that campaign first. Okay. So wait, wait, wait. Okay. Before

Drew Thomas  2:16  
we do that, so explain what Banks Never Ask That means because that's that's it's. I mean, it sounds self-explanatory, but let's let's elaborate on it. So, without

Jeff Matevish  2:24  
giving away answers to this quiz or anything, Banks of America is a campaign that teaches you what banks won't ask you. So, if you get a phone call or a text message or an email from your bank or someone who is pretending to be your bank, right, and asks for say your pin, banks will never ask that, right? So they're they're trying to you know reinforce that that idea that you know that we enforce quite often too, and now there's just a you know a whole thing around it. Okay, all right, fair enough. All right, so what do we got? Okay, so question number one. There's nine questions to this quiz, you get a text from what it says is your bank, and they are doing a system upgrade and ask you to confirm your password to avoid disruption. It looks clean and polite. Is it safe? I'm going to go

Drew Thomas  3:15  
with no.

Jeff Matevish  3:16  
No. Well, the text message is as part of your scheduled updates. We kindly ask you to confirm your password to ensure uninterrupted access to your account. You said no. I yeah, I definitely say no. You got it. It is a scam.

Drew Thomas  3:30  
Okay,

Jeff Matevish  3:31  
so they're because you

Drew Thomas  3:32  
will never ask banks will never ask you for your password in that like they know, and even if they actually, ironically, they probably don't know, but they won't ask you for it either. They'll send you a they'll send you a reset link, or in some other way they will reset your password. True, but they will not ask you for it. True, true. Yeah,

Jeff Matevish  3:51  
and one of the other other things for this question that they're highlighting is that scammers know that polite sounds professional. So there's it's it's one or the other. So polite, you know, you may be more trusting of it, whereas something that is seems to be urgent, you're you're going to act on that. Yeah, and we we've talked about that before, and and that will come up later in this quiz. But yeah, so to highlight this one, scammers know polite sounds professional. Your bank won't ask for your password or any personal details through text, even for upgrades. Yep. Okay. Okay.

Drew Thomas  4:23  
Makes sense.

Jeff Matevish  4:24  
Number two, you get a fraud alert about payment apps, and the text message is free message. Pine Creek Bank fraud alert. Did you attempt a Zelle transaction for the amount of $3,500? Reply yes or no, or one to decline fraud alerts. Is that legitimate or is that a scam?

Drew Thomas  4:43  
Huh. I'm going to say that sounds like it could be a legit thing.

Jeff Matevish  4:49  
So I, I would, I got fooled by this. Yeah. Too. It is in this case a scam.

Drew Thomas  4:54  
Okay.

Jeff Matevish  4:55  
Um. So I, I didn't preface this either. If we were to pop this up. You would see that it comes from a telephone number 155532 or 3927556 or something. Okay, something like that.

Drew Thomas  5:09  
So it's not coming from a code. It's

Jeff Matevish  5:11  
not a short code. Yes. Got yeah. Okay. So a lot of times your bank will use a short code, and hopefully they use the same short code over and over again. Right. You could put it in your in your contact list, as you know, bank, so you at least know that hey, that that is most likely coming from my bank.

Drew Thomas  5:25  
Yeah, and that actually is a neat little tip. I mean, you can take those SMS short codes, even though they're only five, four, you know, 456, digits, whatever they are, and you can still save them as a contact. Yeah, in your phone. Yep. So that you know you're a little more likely that to recognize that it's coming from your bank as opposed to trying to remember every short code for everything that's out there, right? Right. Yeah. So, but that is a good point because looking at where the information's or the message is coming from makes a big difference because we definitely do that at the bank. We will ask you like, did you make this transaction as part of our fraud center? You know, and say you know yes or no, so that we can either you know turn your card off or something like that. But knowing where the message is coming from is an important point. Yeah, I agree.

Jeff Matevish  6:13  
Text messages, emails, anything like that. Always double check where the the sender.

Drew Thomas  6:17  
Yeah, for sure.

Jeff Matevish  6:19  
Okay, number three. Here's an email regarding account activity. So the email is account update is the the subject. It's from [email protected]. Here is the update you requested for your account, and then there's an account number that is partially redacted. Withdrawals purchase authorized on 611 groceries blah blah blah blah blah for the amount of $43. Does that sound legitimate, or does that sound like a scam?

Drew Thomas  6:48  
So it's not asking me for any information. It's just providing information. Yeah. So I'm going to go with legit.

Jeff Matevish  6:53  
So that is legitimate. Yes. Yeah. Yeah. Yeah. They're not asking for you to click on anything. They're not asking. They're not. It's not anything that's timely getting you to act on on anything. So that is legitimate. A rep calls from your bank's actual number and knows your name. They say your account is compromised and need to verify a few things. Is it legit?

Drew Thomas  7:19  
Yeah, I'm going to go with no.

Jeff Matevish  7:21  
It's no. Yeah. Yeah,

Drew Thomas  7:22  
and and. in that situation, I'm gonna guess it's gonna recommend that you simply say thanks for the information. I'll call you back, hang up, find your bank's actual phone number, call them, and tell them that you just received a phone call or something from what appeared to be your bank, and find out whether or not that's true. You know, true.

Jeff Matevish  7:44  
I think you took this quiz already. Well, I've I've

Drew Thomas  7:46  
taken many quizzes similar to it, but yeah, yeah.

Jeff Matevish  7:49  
So yeah, phone numbers we've talked about it before can be spoofed very easily.

Drew Thomas  7:54  
Yeah.

Jeff Matevish  7:54  
So don't don't always trust that the the person on the other line is who they say they are another email. Things are getting tricky. Is this something your bank would ask? So the subject is account suspended, and it is from a [email protected] with the the body of the email as dear valued customer due to recent activities on your account, we place a temporary suspension until you verify your account with a big button that says "Click here to verify your account. Is that legit or is that a scam? I'm

Drew Thomas  8:31  
going to say scam.

Jeff Matevish  8:32  
It is a scam. Yes, banks will never provide you with a link to log in via via an email.

Drew Thomas  8:37  
Yeah,

Jeff Matevish  8:38  
yeah, never click a link that you weren't expecting either.

Drew Thomas  8:42  
Yeah, and I mean, honestly, if you're really not sure, just don't click the links. But especially if if it's something like this, or like you said that you weren't anticipating or something, because because you just don't know where it's going to go. And you know, you click on these links sometimes, you know, when when people do because they do, unfortunately. You know, you usually end up a place that looks a lot like what you expect. They'll sometimes,

Jeff Matevish  9:07  
yeah.

Drew Thomas  9:07  
You know, they'll they'll find a way to imitate your bank's look of their website, their feel, their their their verbiage. I mean, sometimes they'll screen scrape it and it'll look exactly like your bank. Yep. You just got to be very careful.

Jeff Matevish  9:19  
Yep.

Drew Thomas  9:19  
Very careful. Just don't click the links.

Jeff Matevish  9:21  
I mean, if you're on a at least on a computer, you can at least highlight or hover your your mouse over the link to see where it's going to lead. Ah, that's a good point. Yeah. So I mean, you can verify that way, but still best to just not click that link. Yeah. Yeah,

Drew Thomas  9:33  
because I mean, even then, there are a lot of things for marketing purposes, things like that, where links can, you know? They can look a lot different when you hover over them. They can have a bunch of stuff appended to the end. Yeah, you just be masked. Yeah, yeah. You just never really know what you're what you're looking at.

Jeff Matevish  9:50  
Yeah. You're getting another call. Someone from your bank calls about a potential bank breach. Man, I

Drew Thomas  9:56  
hate people calling me. People, honestly, you know, like. There would get so many phone calls, and and the younger people they hate phone calls altogether. They would just probably just ignore it straight up. That's true. Yeah, but okay, fine. We're getting another call. What what is okay?

Jeff Matevish  10:10  
So someone from your bank is calling about a potential account breach and tells you not to tell anyone. They said it's for your security. Is that a scam? That is such

Drew Thomas  10:20  
a scam.

Jeff Matevish  10:21  
Yes. So we've we've talked about that on another recent episode of this. Yeah. Yeah. Yeah. Yeah. If they they want you to keep it a secret, it's because they don't want to be found out.

Drew Thomas  10:32  
Let me let me. Okay. Look, I'm going to tell you something. I don't care if it's your bank. I don't care if it's your. I don't care what it is. Someone says to you, "Let's just keep this a secret between us. 99,999 times out of a million, that is a scam, or somebody is trying to do something to you or for you that is yeah yeah just just don't just don't do it. Yep, just no.

Jeff Matevish  11:00  
Hey, good job! That was a scam. So when someone tells you to keep it a secret, it's it's a trap. Real banks won't ask you to stay silent. Okay, you doing good, Drew? Well, I try. You're getting another call on your phone. Sorry.

Drew Thomas  11:15  
What? All

Jeff Matevish  11:16  
right. You might want to put your phone on silent. Yeah. Yeah. Fine. Go ahead. Um. So so the the the script is: Hi, I'm calling to notify you that your credit card was breached before we get we begin. Can you please verify your identity with your name, address, and card number?

Drew Thomas  11:34  
No, I cannot.

Jeff Matevish  11:35  
No. So if you yeah, so it's a scam. So I'm

Drew Thomas  11:38  
yeah. If

Jeff Matevish  11:38  
you would have called the back of your card and they ask you to verify that information. That's a little different story. But if you're being called, you know, and asked this information, yeah, definitely a scam.

Drew Thomas  11:48  
Yeah, think. I mean, just imagine it's like a garden hose. If the if the if you turned the spigot on and initiated the conversation, that's a different. You then fine. Let let the information flow. Yeah, yeah. But if you didn't turn the spigot on, if someone's asking you to, the answer is no,

Jeff Matevish  12:05  
right? Another text message: Pine Creek Bank one-time access code with an with a code. Enter online to verify your identity. Pine Creek Bank will never call or text you this code? Don't share it.

Drew Thomas  12:23  
So I'm gonna. This is the one that tripped me

Jeff Matevish  12:25  
up.

Drew Thomas  12:26  
All right. So I'm gonna say it this way.

Jeff Matevish  12:27  
Yeah.

Drew Thomas  12:28  
If I'm currently sitting in front of my computer trying to access my account and I get this, yes, I'm gonna go with legit. Yep. But if I'm not, if I'm just sitting on a bus or a plane and I get this, I'm gonna go with, well, maybe not even so much that it's a scam, but it's not me trying to get into my account. So I maybe maybe I better call my bank and tell somebody that someone's trying to get into my account.

Jeff Matevish  12:50  
Yeah, yeah. So they didn't they didn't preface this with whether you had initiated this or not. Okay, they're they're saying that this is legit, but so this one also is a little bit controversial because the the phone number that it came from is not a short code either. So

Drew Thomas  13:09  
oh, kind of when it goes back

Jeff Matevish  13:11  
on on on what we had mentioned earlier. But yeah, so if you initiated, if you were trying to log in and and you needed a code or it generated a code, yes, it's legitimate. If it's if you did not try to log in, someone might be trying to get access to your account.

Drew Thomas  13:26  
Yeah. Now you know here's here's something interesting about these because there are a lot of programs out there now, software programs where they can do like account aggregation, and like our bank actually has one where you can put it's called personal finance. It's in our it's in our online banking, and you can take credit cards and and bank accounts and things from other areas and sort of consolidate that information into one place, which is really cool. Here's the thing: it then has to log into those accounts though periodically to retrieve the information for you, and it's doing it autonomously. So there have been times whenever I have been just sitting on my couch watching football, and all of a sudden they get a text message that has a code. And then what I realized after some time, because I was like, okay, well, can't. I mean, the bank really doesn't know who to go after if somebody is trying to access my account, but what I started to realize was that sometimes it's those account aggregators that are trying to log in and ping the account to update that that aggregation software, and it's doing it autonomously. So I'm getting the code, but because I'm not sitting there to enter the code, and the reason that I figured it out was because I would get those codes and then I would go in maybe a few days later to check something on my online banking and I would find that that last updated or whatever was was like you know so many days ago and I'm like okay that makes sense yeah yeah I never so yeah I got to be careful with that stuff

Jeff Matevish  14:56  
huh

Drew Thomas  14:56  
yeah okay

Jeff Matevish  14:57  
something else to look out for I guess. Okay, then last one is you're told your money is at risk, but the agent offers to help transfer transfer to a safe account just to be sure. Is this legit? And this is through a text message.

Drew Thomas  15:14  
So, so you're so somebody saying, "Hey, your your money's at risk. Let me transfer it for you. That's a scam. Yes.

Jeff Matevish  15:20  
Hey, we spotted suspicious activity on your account. To keep your funds safe, we can move the balance to a secure account in your name. This is a temporary until the fraud is fully resolved.

Drew Thomas  15:31  
Yeah, that never ever. No, do not do that.

Jeff Matevish  15:34  
Yeah, this is a classic safe account scam. So that that account is most likely in that scammer's name. Yeah, we saw this recently with with another two cents. A very similar scenario, though. This young lady actually had to move her money out of the bank itself, not move you know from a one account to another to keep it safe. But but same type of thing. Yeah.

Jeff Matevish  16:00  
If you have to move your money to keep it safe, that's a big red flag.

Drew Thomas  16:03  
Yeah, you're right. I mean, who? Nobody, no bank would ever say that. Your bank would just protect your account. Yeah, right. It's not going to move it to a different account like that. You know, I mean, unless you unless you requested it for some reason. I mean, they'll do it if you request it. Yeah, but they're not going to do it over the phone or anything either. They're going to make you come in most likely, or somehow, some way, identify yourself through online banking or some sort of, you know, they're they're never just going to voluntarily say, hey, let's move your money to a different account number. That's no, never, never, never, never. All right. Well, hey, that's cool. So I mean, well, I I'm glad I passed it. Nine

Jeff Matevish  16:38  
out of nine. Okay. Okay. So we can look at some some practice safe checks. So okay, this this campaign.

Drew Thomas  16:47  
How many people still write checks? Is it a lie

Jeff Matevish  16:50  
to you on occasion? Yeah, I mean it depends on on on the the vendor that I'm writing the check for. Normally it's like where you have to fill something out and and have a check with some sort of form or something like that. Use that.

Drew Thomas  17:03  
Yeah, I definitely do write checks occasionally, but honestly, I if I wrote six six checks last year, I bet that would be a lot.

Jeff Matevish  17:12  
Yeah, yeah.

Drew Thomas  17:13  
Compared comparatively speaking, but a lot of people, I'm sure a lot of people still do write checks, especially if you're not comfortable doing online banking and digital transfers and so forth. So okay,

Jeff Matevish  17:23  
yeah, but so this this whole campaign is is to keep you or to to help keep you and your accounts safe when you are writing checks.

Drew Thomas  17:32  
Yeah.

Jeff Matevish  17:32  
So they the ABA has a list of tips to to help protect yourself. Okay. First one is use permanent gel pens. So if you're not using something like Bill Pay or or some sort of online bill payment software, and you are writing checks, make sure you're using ink pens that cannot be washed, because that's one of the the scams that that you know quite often. If you are having a check that is being stolen. It's it's been washed.

Drew Thomas  18:03  
Yeah, yeah. And whenever they say washed, I mean like literally. Yeah, there are inks that can be removed with certain chemicals and solvents and so forth, and then there are inks that can't. Yeah. So, and you can usually find it when you go buy pens. They'll tell you whether or not it's a like check safe ink that can't be dissolved or easily removed from the paper. Like it embeds itself in the fibers of the paper rather than sort of sitting on top. Yeah. So yeah, you want to you want to look for that. If you're if you're writing a lot of checks, use use a pen that is specifically designed with that in mind. Yep. Yep. I agree.

Jeff Matevish  18:38  
Avoid blank spaces. So fill in every part of the check. If don't leave empty space at the in the I mean even even in the date, yeah. Don't leave extra space. Don't leave space for the payee or the amount or anything like that.

Drew Thomas  18:52  
Yeah, yeah, I would agree, especially payee and the amount. Yeah, the actual line. Like a lot of people don't realize too anymore that the the number you put in the box, like the numerical number you put in the box, that is important. They will look at that, but the check is really based off what is written on the number line, like the pay to the order of. So when you write out $125.35 one hundredths of a you know and yeah that's the number that the bank is that's the line the bank is looking at, so it's important that they match, but the the that line is more important than what's in the box. Yeah. So you're right. If you leave space, someone can

Jeff Matevish  19:38  
write something in addition. Yep.

Drew Thomas  19:39  
Right. And just like any number, if you leave space to the left of 135, and somebody writes in 1000 in the front of it, now all of a sudden, you know, you're you're you're in big trouble.

Jeff Matevish  19:52  
Yep, yep.

Drew Thomas  19:52  
But even at the other side of it, you know, the the people can add things on or whatever. So yeah, good point.

Jeff Matevish  19:57  
I'll leave space for anybody to write. An additional payee or anything like that. Yeah, yeah,

Drew Thomas  20:02  
and and really, your bank also, your bank should be looking at that check whenever the check comes into the bank to make sure that there aren't two different color inks, that there's not two different types of handwriting on the check or something along those lines. Yeah, but a lot of these checks, quite honestly, these days are are not always handled 100% by a human being. They're they're passed through a reader or something like that. So sometimes that doesn't get caught as quickly as it may have back in the 80s and 90s when literally every check was looked at by a teller. Yeah, yeah, you got mobile deposit.

Jeff Matevish  20:38  
I mean, right?

Drew Thomas  20:39  
Yeah, yeah.

Jeff Matevish  20:41  
Withhold personal information. This one's kind of self-explanatory. Don't put your social security number in the memo line. Oh man, yeah. I mean, your check already has your information on it that you know you don't want to give out freely to everyone. It's got your address and stuff like that on it. So I mean, yeah, don't give them any more information than you have to. Completely fair. Yep. Review your accounts. So if you are mailing in a check somewhere, or you are, you know, just handing a check as a payment for some, you know, something, monitor your your bank account. Use online banking if you can, and make sure that that check was cashed for the right amount in a timely manner. Yeah, yeah,

Drew Thomas  21:18  
yeah. That's something that a lot of people don't do anymore, and I'm guilty of it. I don't keep a check register like I used to.

Jeff Matevish  21:24  
Yeah.

Drew Thomas  21:24  
But you know, and the check register was supposed to always be sort of twofold. It was the idea that you knew what you were written checks for, so that you could account for that money being outstanding until it came in, that you didn't overspend.

Jeff Matevish  21:38  
Yeah.

Drew Thomas  21:38  
But it was also a written record then of what you spent your money on,

Jeff Matevish  21:41  
right?

Drew Thomas  21:42  
These days, online banking sort of has taken that place a lot, but that only really works if you check your online banking daily, every other day, because you can very quickly forget what you spent your money on if you're not looking at it every day to see what's coming in.

Jeff Matevish  21:59  
Yeah, yeah, and I mean, it's really good to keep an eye on your your account too. Just you know, to make sure that your check wasn't stolen. Oh, sure. Yeah. I mean, if you if you cash a check or you mail a check that you know it should get to you know its destination in a few days, and you're three weeks out and it still hasn't been cashed, then that's your red flag to put like a stop payment or something on that check. Sure,

Drew Thomas  22:22  
yeah. Unless unless you're my daughter's old school, they they would hold checks for.

Jeff Matevish  22:27  
Oh, really? It

Drew Thomas  22:28  
was ridiculous. Like they weren't like $25 checks. Yeah, I was like, and and you know you're sitting there for months, and then you're finally calling the school and be like, is somebody please going to take this to the bank? But yes, as a general rule, I agree with you. Yeah.

Jeff Matevish  22:47  
Okay, I made

Drew Thomas  22:48  
you lose your play. You did. You

Jeff Matevish  22:49  
did. Well, this we kind of already talked about this one, but so then use digital payment options. If you can use bill pay, it's it's safer than writing a check and mailing it out.

Drew Thomas  22:57  
Yeah. Okay. Fair.

Jeff Matevish  22:58  
Follow up if you like, you said if you send a check somewhere and it still hasn't been cashed, give them a call, give them a text. You know, see what's what's the deal. Yeah, have you gotten? Have you received the check?

Drew Thomas  23:11  
Yeah.

Jeff Matevish  23:12  
Turn on notifications so you can sign up for informed delivery from USPS.com.

Drew Thomas  23:22  
Yes,

Jeff Matevish  23:22  
I have that. You have that. Okay, I do. Okay, so you can maybe talk about it a little bit because I don't have

Drew Thomas  23:26  
it. Yeah, it's it's um, hang on.

Jeff Matevish  23:29  
Yeah,

Drew Thomas  23:30  
um, it's um, it's really it's really nice. What it is is basically the post office will send you an email or a text message. There's also an app, so you can you can access the information multiple different ways. But the idea is that you can see what's being delivered every day to your inbox to your mailbox.

Jeff Matevish  23:52  
Okay.

Drew Thomas  23:52  
So even though my now my mail tends to show up pretty early in the day anyway, so I'm kind of lucky. My parents, on the other hand, they don't get their mail usually until like three, 4o'clock in the afternoon. So, but every day, every morning, when that mail is processed, they'll take a scan of the outside of the envelope, and you'll be able to kind of see like what's going to show up in your mail that day.

Jeff Matevish  24:13  
Ah, and it'll you can double check, make sure that everything that is supposed to be there is there, is

Drew Thomas  24:18  
there, right? So that way, you know, if it goes through their automated, you know, system, and it's scanned and it shows that you're supposed to be getting a birthday card from your aunt that probably contains cash, even though everybody tells you not to send cash through the mail, right? And then that birthday card from your aunt doesn't show up in the mail that day. Well, now it's like, okay, well, where's where's my birthday card? Right. Very,

Jeff Matevish  24:38  
very, very good. Pause your delivery. So if you're going out of town for any length of time, see if you can put a pause on mail delivery to your house, just in case a check does get delivered and you know it kind of prevents it from being stolen. Yes. Yeah. It makes

Drew Thomas  24:57  
sense. Yeah. Yep.

Jeff Matevish  24:58  
Retrieve your mail. Promptly, so like you said, and if you know that your mail comes at you know 4o'clock every day, don't wait until 2o'clock the afternoon the next day to get your mail.

Drew Thomas  25:08  
Yeah, and I think that's that's the thing is is I've had to have this conversation with my daughter because like she she'll some there are times whenever she'll be like I didn't get my mail and I'm like since when we went over and we were cat sitting for them a couple of weeks back, and at one point I went out and I went to retrieve the the mail, and there was just this like wad of mail in the in the mailbox, and I'm thinking, how long has this been sitting out here? You know, so yeah, don't do that. You know, collect your mail at least daily, you know, for sure.

Jeff Matevish  25:39  
And and so if you are, if you do happen to mail a check or something like that, don't put it out like the night before. So like, don't don't don't no. Hey, I'm thinking of it now. I'm gonna write that check, put it in the mailbox, put the flag up. Yeah. If you the best bet is you know if you see the the mailman coming down the street, go out and put the you know then put it in the mail. Right.

Drew Thomas  25:59  
Right. Yeah. Or I mean, and and granted, there are people that definitely don't have the mobility to always do this. But take it to a mailbox. Yep,

Jeff Matevish  26:05  
and and that was the last. You know, that had had had to actually the the bank or one of the big blue boxes.

Drew Thomas  26:11  
Yeah, there used to be more of them around. To be fair, yeah,

Drew Thomas  26:15  
you know, you there used to be a mailbox. It seemed like every, if not every block, every other block had a mailbox. It felt like back in the day. Yeah, they're a little harder to find these days. To be fair,

Jeff Matevish  26:26  
yeah, yeah. But if I if I have to use one of the the blue boxes, I try to find one outside of a business that may have cameras or something on the banks. Just to, I mean, it just makes me feel better. I guess a little bit. Yeah, yeah.

Drew Thomas  26:39  
That's a very good point, though. I agree with that. Yeah, for sure.

Jeff Matevish  26:43  
That was that was their list.

Drew Thomas  26:45  
All right,

Jeff Matevish  26:45  
for practice safe checks.

Drew Thomas  26:46  
All right. Well, I mean, hey, this is. I know that for a lot of people that that for for the three subscribers that no, but for the for those that have followed the show for a while, I I understand that sometimes this stuff can feel repetitive,

Jeff Matevish  27:02  
yeah.

Drew Thomas  27:02  
But it's really important to not only remind yourself because you know you can get into a sense of complacency where you kind of feel like you know this stuff, and then you're just absent-minded. It happens to me, you know. You know, you get absent-minded about something, and then you think back, you think, "Why did I do that? So the more times you hear this stuff, hopefully the more ingrained it gets.

Jeff Matevish  27:29  
Yeah,

Drew Thomas  27:29  
you know, for you, it's not that we're trying to be super repetitive, but it's it's important.

Jeff Matevish  27:34  
And there's always new scams coming out, or there's the you know certain scams are more prevalent now than ever. Like the the even just you know check fraud and and stealing checks out of mailboxes you didn't hear about that as much you know 510 years ago

Drew Thomas  27:47  
right

Jeff Matevish  27:48  
now it's a thing so you know it may be repetitive but it you know sometimes it is important to to you know keep nailing that that that in

Drew Thomas  27:56  
yeah and just as a a bit of a a bit of a teaser I guess I could say we're going to be doing something really cool. We're we're going to do something that we've never done before. We're going to take the show on the road a bit later this month. We have a live in-person cybersecurity seminar that we're going to be doing locally, and we're basically going to do a recording of the show live. We have some really for those of you that remember Kevin and Mike guests that have been on the show a couple of times with cybersecurity, St. Francis,

Jeff Matevish  28:30  
yeah,

Drew Thomas  28:30  
from St. Francis University. They're going to be with us. We're going to do this live in a in a venue, and we're gonna we're gonna have it's going to be fun. I think this is going to be really cool. So if you're listening to this and you do happen to live locally, the the event is going to be on October 28th of this month. That's why I said October 28th. So yeah, so October 28th, it's going to be at the local university at UPJ. So if you if you're a regular listener or watcher, you can come and see us live and and talk with us and head to our website

Jeff Matevish  29:06  
and register. Yeah,

Drew Thomas  29:08  
yeah, you can go ameriserv.com and register. And if you've already listened to this and the date has passed, then we're sorry we missed you. But it's still going to be we're gonna we're gonna record the episode and then we're gonna we're gonna air it. I think in November, right?

Jeff Matevish  29:23  
November. Yep.

Drew Thomas  29:23  
Yeah. So this is gonna be cool. Yeah. So this is gonna be something a little bit different, and we're gonna put Jeff up in front of a bunch of people.

Jeff Matevish  29:30  
Oh boy.

Drew Thomas  29:31  
And how do

Jeff Matevish  29:33  
you think I'm gonna be a little sick that day? Yeah.

Drew Thomas  29:35  
No. No. No. No. No. You're not gonna be sick that day. So yeah, this is gonna be fun. Okay. This is gonna be fun. So sure. Little teaser. It's gonna be cool. Okay. In the meantime, have a very safe October, and we hope to catch up with you a little bit. I don't know what we're gonna actually do in October because we're gonna have a we're gonna have to have a we're gonna have to have an episode in October prior to the 28th because the 28th is is past our normal launch. Yeah. So we'll have something in October that is not that, but just rest assured that that is coming. So that's that's kind of cool. Very cool. It's always nice to have something to promote. Yeah. Yeah. So, all right. Take care. All right.

Jeff Matevish  30:17  
This podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics. As learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast and any resources available for download from our website or other resources relating to Bank Chats is not intended and should not be understood or interpreted to be financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. Thank you for listening. Please check out our full library of episodes, which can be found on the Ameriserv.com website. You can also download or stream the podcast from your favorite podcast app.